[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esfr.cz\/dum-a-zahrada\/co-je-podnikani-bez-penez\/#Article","mainEntityOfPage":"https:\/\/www.esfr.cz\/dum-a-zahrada\/co-je-podnikani-bez-penez\/","headline":"Co je podnik\u00e1n\u00ed bez pen\u011bz?","name":"Co je podnik\u00e1n\u00ed bez pen\u011bz?","description":"Kdy\u017e u\u017e se n\u011bkdo vrhne na podnik\u00e1n\u00ed, ne\u010din\u00ed tak proto, aby si ukr\u00e1til dlouhou chv\u00edli nebo aby jenom konal n\u011bjak\u00e9 dobro jin\u00fdm lidem bez toho, \u017ee by z toho i on s\u00e1m n\u011bco m\u011bl. Podnik\u00e1n\u00ed prost\u011b nen\u00ed ani z\u00e1bava, ani n\u011bjak\u00e1 charitativn\u00ed \u010dinnost. Podnik\u00e1n\u00edm se vyd\u011bl\u00e1v\u00e1 na \u017eivobyt\u00ed, je to p\u0159edev\u0161\u00edm zam\u011bstn\u00e1n\u00ed toho kter\u00e9ho \u010dlov\u011bka, […]","datePublished":"2021-08-13","dateModified":"2021-08-13","author":{"@type":"Person","@id":"https:\/\/www.esfr.cz\/author\/#Person","name":"","url":"https:\/\/www.esfr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esfr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esfr.cz\/wp-content\/uploads\/le%C5%BE%C3%ADc%C3%AD%20mince_10_10_1.jpg","url":"https:\/\/www.esfr.cz\/wp-content\/uploads\/le%C5%BE%C3%ADc%C3%AD%20mince_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.esfr.cz\/dum-a-zahrada\/co-je-podnikani-bez-penez\/","wordCount":415,"articleBody":"           Kdy\u017e u\u017e se n\u011bkdo vrhne na podnik\u00e1n\u00ed, ne\u010din\u00ed tak proto, aby si ukr\u00e1til dlouhou chv\u00edli nebo aby jenom konal n\u011bjak\u00e9 dobro jin\u00fdm lidem bez toho, \u017ee by z toho i on s\u00e1m n\u011bco m\u011bl. Podnik\u00e1n\u00ed prost\u011b nen\u00ed ani z\u00e1bava, ani n\u011bjak\u00e1 charitativn\u00ed \u010dinnost. Podnik\u00e1n\u00edm se vyd\u011bl\u00e1v\u00e1 na \u017eivobyt\u00ed, je to p\u0159edev\u0161\u00edm zam\u011bstn\u00e1n\u00ed toho kter\u00e9ho \u010dlov\u011bka, a a\u017e na druh\u00e9m m\u00edst\u011b jsou dal\u0161\u00ed d\u016fvody, pro n\u011b\u017e se tak\u00e9 d\u00e1 vydat na podnikatelskou dr\u00e1hu.Podnik\u00e1n\u00ed tud\u00ed\u017e mus\u00ed ur\u010dit\u011b znamenat i dosahov\u00e1n\u00ed zisk\u016f. Ka\u017ed\u00fd, kdo podnik\u00e1, si na sebe a chod sv\u00e9 firmy prost\u011b mus\u00ed vyd\u011blat, bez toho to v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nejde.Jen\u017ee co si po\u010d\u00edt v p\u0159\u00edpad\u011b, \u017ee takov\u00e1 \u010dinnost nevyn\u00e1\u0161\u00ed tolik, kolik by m\u011bla? Co kdy\u017e zrovna nejsou pen\u00edze ani na udr\u017eov\u00e1n\u00ed firmy v chodu, ani na podnikatelovo aspo\u0148 trochu snesiteln\u00e9 \u017eivobyt\u00ed?V takov\u00e9m p\u0159\u00edpad\u011b se ur\u010dit\u011b m\u016f\u017ee hodit n\u011bjak\u00e1 p\u016fj\u010dka. Samoz\u0159ejm\u011b ale jenom takov\u00e1, kterou z\u00e1jemce dok\u00e1\u017ee z\u00edskat, a to za dost v\u00fdhodn\u00fdch a zvl\u00e1dnuteln\u00fdch podm\u00ednek. Dejme tomu americk\u00e1 hypot\u00e9ka bez registru FAHD.Co m\u016f\u017ee takov\u00e1 nebankovn\u00ed hypot\u00e9ka podnikateli, kter\u00fd si ji vezme, nab\u00eddnout? V prvn\u00ed \u0159ad\u011b to, \u017ee ji v p\u0159\u00edpad\u011b, \u017ee se za ni m\u016f\u017ee zaru\u010dit z\u00e1stavou nemovitosti a dok\u00e1\u017ee spl\u00e1cet, dostane. Co\u017e znamen\u00e1 jistotu, kterou jin\u00e9 p\u016fj\u010dky nesk\u00fdtaj\u00ed. Nejsou tu \u017e\u00e1dn\u00e9 podm\u00ednky, kter\u00e9 by \u010dlov\u011bk v t\u00edsni nedok\u00e1zal splnit, neprokazuj\u00ed se ani enormn\u011b vysok\u00e9 p\u0159\u00edjmy, ani \u010dist\u00e9 registry dlu\u017en\u00edk\u016f, ani nic dal\u0161\u00edho, nikdo se slo\u017eit\u011b a d\u016fkladn\u011b neprov\u011b\u0159uje.A v\u00fdhodou je tu i to, \u017ee jde st\u00e1le je\u0161t\u011b o docela v\u00fdhodn\u00e9 p\u016fj\u010dky s mo\u017enost\u00ed p\u016fj\u010dit si i velkou \u010d\u00e1stku s dlouhou dobou spl\u00e1cen\u00ed.A to oboj\u00ed p\u0159ijde leckomu vhod. Proto\u017ee ten, kdo se ocitl ve finan\u010dn\u00ed t\u00edsni, ur\u010dit\u011b uv\u00edt\u00e1, \u017ee tu nebudou d\u011blat drahoty a \u017ee ho neodm\u00edtnou. \u010c\u00edm\u017e mu umo\u017en\u00ed pokra\u010dovat v podnikatelsk\u00e9 \u010dinnosti a p\u0159e\u017e\u00edt, dokud se situace zase nezlep\u0161\u00ed. A nejednou je takov\u00e1to nebankovn\u00ed hypot\u00e9ka to jedin\u00e9, co podobnou nad\u011bji d\u00e1v\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dum A Zahrada","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Co je podnik\u00e1n\u00ed bez pen\u011bz?","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/co-je-podnikani-bez-penez\/#breadcrumbitem"}]}]